Legal analysis: owing 6,000 yuan to a credit card will not be prosecuted; Overdue repayment after the repayment date will be recorded in the credit report; Overdue bad records will be recorded in personal credit records, and if they are not kept, they will be blacklisted, which will affect personal credit information.

Legal basis: Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as malicious overdraft as stipulated in Article 196 of the Criminal Law.